High Risk Auto Insurance
Reader’s Question:
My son is 30 years old. He let his car insurance lapse. His car insurance has been canceled for non-payment over the past years. So now he can’t seem to find an insurance carrier to insure his car in Savannah, Georgia. How can he get car insurance now?
Daniel
Savannah, GA
Due to your son having car insurance lapse previously, he is now considered a high risk driver. For drivers such as your son that are unable to find an insurance carrier in the voluntary market that will insure them, many states have high risk insurance companies that will cover these types of drivers.
High risk drivers in Savannah, Georgia typically have to go the GA Automobile Insurance Plan (GAAIP). It was created to give car insurance coverage to eligible high risk drivers who seek coverage and are unable to get such coverage through the voluntary market.
To find out who these insurance companies are in Savannah, Georgia and how your son can obtain auto insurance in GA through the GAAIP so that he can insure and use his car contact the GA Insurance Commissioner.
I Need Very Cheap Auto Insurance in New York
Reader’s Question:
Does New York state law allow married couples to have separate auto insurance policies?
Brooke
Yonkers, NY
It is your option to have separate auto insurance policies, but most of the time; it is cheaper to be on the same policy. A New York insurance company will ask questions of you being married or if there are other licensed operators in your household as a basis in calculating your premium rates.
If you and your spouse have separate auto insurance coverage, you may want to do a cost/benefit analysis of each plan to see if you should continue to keep your auto coverage separate. For example, if your spouse’s auto insurance policy has a higher deductible and/or co-payments or fewer benefits than those offered by your plan, he or she may want to join your auto insurance plan instead. You may also want to compare the rate for one family plan against the cost of two single plans.
It is also advisable for you to examine your auto insurance coverage too. If you and your spouse own separate cars, consider pooling your auto insurance policies with one company. Many car insurance companies will give you a discount if you insure more than one car with them. If one of you has a poor driving record, make sure that changing companies won’t mean paying a higher premium.
I Need Cheap Car Insurance For My Teen Driver
Reader Question:
I just turned 17 last week and just received my driving licence. Im still thinking of what car to get. What is the cheapest car insurance plan for me?
Allan D.
Good question.
The less expensive car you have, the less amount you will be paying for your car insurance. Popular cars like Honda Civic,Ford Focus etc are some examples of less expensive cars but not really advisable for young drivers since light vehicles have the highest death rate. You might also want to consider setting up safety features on your car like side air bags, anti lock brakes etc. These features can lower and provide you discounts on your auto insurance plan.
You can also save a lot if you stay on your parent’s policy. It will increase your parent’s premium but still less expensive if you start with your own policy. Young drivers like you can also avail for discounts if you have good academic record.
Just try to get a clean record for driving. In time you will notice having good credit history and clean driving record will lower your insurance rate.
Goodluck
-MariCAR
Where Can I Buy Cheap RV Motor Home Insurance?
Summer is ending, but for those who own RVs, vacation does not have to end. There are thousands, if not millions, of people in the United States who spend a significant amount of their year living in parks all around the country in their recreational vehicles, and the number of these people is growing. Because of this growth, the need for knowledge about RV motor home insurance is on a much higher demand.
A significant number of people who insure their RVs simply add these vehicles to the same insurance plan that their car is on. This might seem like a good idea, considering that most of the time in an RV is spent parked rather than on the road, and thus the likelihood of a car accident is smaller, but it really is not. You never know what is going to happen, and if you don’t prepare for it, especially in the case of such a vehicle as an RV motor home, you are going to face a lot of loss.
RV motor home insurance is necessary to all operators of motor homes because it covers a lot more than your average car insurance policy does. One of the most important things is the contents of the RV. With your car, if you get into a wreck and lose a few CDs, that might come under the coverage of your home insurance policy. However, with an RV this is not the case, especially for the big and expensive items that come installed with the RV and are not insured under a regular car insurance plan.
Drivers of RVs need RV motor home insurance because it protects both whatever is in the RV, the RV itself, and their medical problems that could result from an accident. It also comes with more liability, which is very important considering that a collision with an RV could cause a lot more damage to the other car involved. Another thing that might appeal to travelers is that it gives them an ability to travel outside of the country to Canada and Mexico while retaining their coverage and not having to get travel car insurance.
Cheers,
Fashun Guadarrama.
Safe Driver Insurance Discounts For SUVs?
Reader question:
Do sports utility vehicles get the safe car discount?
Greg
Um. No
It’s true that SUVs might be safe for the person that’s driving them. After all, they’re big and strong, and most of the newest ones come with plenty of safety features, enough to make any car insurance company happy. However, your company can’t just think about you when it’s deciding on rates for safe driver insurance plans. If you get into an accident in which you are at fault, then the other driver in the situation is going to come after them for a claim payment, and that’s where the safety of your SUV ends.
SUVs can protect their passengers very well, but they wreak havoc on other cars. A lot of this has to do with their size. However, this isn’t the only thing involved. A critical factor in the results of a collision with an SUV is the SUV’s bumper. The reason that the bumper can cause problems is because it is on a different level than are the bumpers of smaller cars. Bumpers exist so that they an take the brunt of an impact in a head on collision with another car. However, in the case of a crash between an SUV and a compact car, the SUVs bumper isn’t going to touch the other car’s bumper–instead, it will be aimed towards the window where the passengers and driver are, causing more damage to the vehicle and more of a chance of injury and loss of life to the people.
SUV bumpers are put on them mainly for show, as they have no real protective qualities. Even if a truck and an SUV got into a crash with each other, the bumper would just collapse because it doesn’t have enough power behind it to absorb the force of the other vehicle.
Getting in SUV will mean that you pay more for your insurance premium, not less. SUVs are considered part of the higher risk pool of cars, even if they do well on safety crash tests. If you want to buy this kind of car, don’t expect to get a safe driver insurance plan. Expect to pay.
Cheers,
Fashun Guadarrama.
Safe Driver Insurance Plan
Reader question:
I want to be a good driver and keep my driving record clean so that I can continue getting good rates on my car insurance and possibly a discount. Any tips for this?
Marilyn
Sure, why not?
I think it’s really great that you’re trying to watch how you drive and keep your record clean. Many people don’t understand that safe driving is actually a huge factor in car insurance rates. They understand to some degree, but only to the point where they know that their rates will be affected if they happen to get into an accident. Few consider the fact that, even if you don’t have any accidents on your record or even any dents on your car, getting a speeding ticket or a drunk driving charge can make your car insurance rates skyrocket.
The best way to avoid this is to make a sort of plan for yourself, what I like to call the Safe Driver Insurance Plan. There’s nothing official about it, it’s just sort of a list of things that you promise to yourself to do so that you can both protect yourself, your car, and your low auto insurance rates. It’s really easy to mess up and watch your rates go up high in a company that doesn’t have forgiveness. It’s also really easy to avoid situations that might send your rates up.
I suggest that any driver that doesn’t want to see any increase in their car insurance rates in the future draw up a plan with themselves that takes into account all of the main factors of rising insurance costs, not the least of which is sticking with only one company and refusing to check other quotes in case something has changed and somebody else is offering a better deal than they are.
The main things that you should focus on are defensive driving for in case you get into a situation that might lead to an accident, and to avoid getting into those situations; adhering to the law, and that means no speeding, even if you are late for work; keeping your car up to date with the latest safety equipment. You might also want to take a driver’s ed course to brush up on your knowledge and get a discount.
Cheers,
Fashun Guadarrama.
Safe driver insurance plan for avoiding speeding tickets
Reader question:
I got pulled over for speeding the other night, but lucky for me, I got off the hook. I’m scared now, though, because if it happens again then I’m sure to get a ticket and I don’t want to see my rates go up. How do I avoid this?
Jose
Don’t speed!
It seems like it should be as simple as that, but there’s some kind of human urge to be going at a certain pace. It isn’t even consistent. Sometimes, I feel like I’m going too fast at thirty five. Other times like I’m just inching along at forty five. It really depends, and it’s something that you have to learn to control. I suggest that you come up with a safe driver insurance plan to help you avoid bad situations where you might end up speeding. And never allow yourself an excuse to speed.
One of the best ways to avoid speeding doesn’t even necessarily involve you going at or below the speed limit. It’s called being aware of your surroundings. If there are several cars around you going sixty, then you can reasonably go fifty and not risk at all getting pulled over. Keeping an eye on how traffic is behaving is one of the best skills for both avoiding speeding tickets and keeping yourself from getting into a car wreck. Knowing what the other cars might do allows you to compensate for them.
Most of the time, the thing that will get a police officer’s attention is you being obnoxious driving. One time, I got a ticket for having expired registration because I happened to pull up at a stop light behind a cop car and then try and pull away in a very awkward and suspicious manner. If I had just sat there until the light turned green and then casually changed lanes, he probably never would have even looked. Keep this principle in mind when you feel the need to go over the speed limit. Only do what the others around you are doing, because you cant be caught out if they’re all speeding.
Cheers,
Fashun Guadarrama.
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